Market Trends Reporter
Data-driven market intelligence to adjust valuations — fastest depreciators, best deals, EV parity, and regional variance
Purpose
Every appraisal is made in a market context that changes monthly. The model you appraised last quarter at $28,000 may now be worth $25,500 because EV competition accelerated its depreciation, or $31,000 because supply dried up in your region. Appraisers who rely on a single data point — book value, last month's comp, a gut feeling — miss the trend and produce valuations that cannot survive scrutiny.
Market Trends Reporter generates sector-level intelligence that appraisers use to calibrate every individual valuation: which models are losing value fastest and by how much, where below-market comparables are distorting the pool, how the EV-to-ICE price gap is moving, what the geographic spread looks like for the vehicle type you appraise most, and whether new car markups or discounts are compressing used vehicle values. Every output includes an explicit appraisal adjustment recommendation with a dollar impact.
How It Works
Execution flow. MCP tool calls are shown inline on each step.
get_sold_summaryCalls get_sold_summary with ranking_dimensions=make,model, inventory_type=Used, top_n=50 for the most recent complete month. Extracts average_sale_price and sold_count per model.
get_sold_summaryRepeat call for the same month one year ago. Matching models between periods and computing price change yields the depreciation rate — only models with 100+ sold units in both periods are included for statistical reliability.
Calculates depreciation rate (%) for each model: (prior_price - current_price) / prior_price × 100. Sorts ascending for best value-holding models and descending for fastest depreciators. Presents Top 15 of each with volume context.
↔ Parallel Execution
get_sold_summaryCalls get_sold_summary with fuel_type_category=EV for each body type (SUV, Sedan, Pickup) for current and prior year periods to build the EV average sale price baseline.
get_sold_summaryParallel calls with fuel_type_category=ICE for the same body types and periods. EV-to-ICE gap = EV avg - ICE avg. YoY gap change signals whether the premium is narrowing (parity approaching) or widening (EVs still command a premium).
get_sold_summaryCalls get_sold_summary with summary_by=state for the subject make/model to calculate a state-level price index (state avg / national avg × 100). Identifies premium markets (>105) and discount markets (<95) with actionable geographic adjustment factors.
Translates market signals into actionable valuation adjustments: 'The [Model] lost X% YoY — apply a -X% trend adjustment to book values. Regional variance in [State] is +Y% above national — increase FMV by $Z for local market comparables.'
MCP Tool Calls
| Tool | Calls | Purpose |
|---|---|---|
get_sold_summary | 8–14 | Current/prior period depreciation comparison, EV vs ICE by body type (current + prior), regional state-level variance, MSRP parity tracking |
search_active_cars | 3–5 | Below-market deal identification, price-reduced inventory, active listings for top depreciators |
predict_price_with_comparables | 3–5 (optional) | Validating below-market deals against algorithmic market value |
Example Output
MARKET TRENDS REPORT — Appraiser Edition | February 2026 ════════════════════════════════════════════════════════ FASTEST DEPRECIATING MODELS (Appraisal Adjustment Required) Rank Make/Model Current Avg Prior Avg Drop $ Rate % Vol ───── ────────────────────── ─────────── ────────── ────── ────── ─── 1 Nissan Leaf $18,200 $24,100 -$5,900 24.5% 1,842 2 Chevrolet Bolt EV $19,800 $25,700 -$5,900 22.9% 2,210 3 Ford Mustang Mach-E $31,400 $39,200 -$7,800 19.9% 3,104 ⚠ Appraisers: Apply -20%+ trend adjustment to book values for these models BEST VALUE-HOLDING MODELS (Book Values Reliable) Rank Make/Model Current Avg Prior Avg Drop $ Rate % Vol ───── ────────────────────── ─────────── ────────── ────── ────── ─── 1 Toyota Tacoma TRD $42,100 $42,400 -$300 0.7% 8,341 2 Honda Ridgeline $38,200 $38,600 -$400 1.0% 2,104 3 Subaru Outback XT $31,800 $32,100 -$300 0.9% 3,822 EV VS ICE PRICE GAP (SUV Segment) EV Avg: $46,100 | ICE Avg: $37,200 | Gap: $8,900 (+23.9%) YoY Gap Change: -4.2 pts (Narrowing) — EV depreciation accelerating ⚠ Appraisers: Do not apply ICE depreciation rates to EV appraisals
Cost Estimate
20 market reports/month ≈ $3–9
Limitations
- US-only — requires get_sold_summary which covers US sold transactions only.
- YoY depreciation rates require minimum 100 sold units per model per period — low-volume or niche models are excluded from rankings.
- EV parity analysis requires sufficient EV sold volume per body type; some body types (e.g., EV pickup) may have thin data in earlier periods.
- Regional analysis at the state level may have small sample sizes for specific model/state combinations — flagged when sold_count < 30.
- Below-market deal identification via price_change=negative filter depends on original listing price being captured; some listings lack this data.
More in the Appraiser Plugin
Single-model depreciation curves with monthly rate and MSRP retention
View details →Full comparable-backed appraisal report with cited transaction evidence
View details →Dual retail and wholesale pricing with competitive set analysis
View details →Same Capability, Different Plugin
These skills share the same underlying methodology but are tuned for a different audience.
Lenders run the same depreciation rankings as residual risk signals — a model depreciating at 20%/year triggers advance rate tightening and GAP coverage mandates, not just an appraisal adjustment.
View in Lender →Insurers use the same market trend data for reserve adequacy assessment — models with accelerating depreciation require proactive downward reserve adjustments before claims are filed.
View in Insurer →OEM strategists use the same trend intelligence to detect where incentive programs are — or are not — defending used residual values, which feeds back into new vehicle pricing strategy.
View in Manufacturer →